When lenders underwrite your loan, they calculate your
 insurance and  property  taxes as if they were paid monthly.
 This calculator does the same thing.
Mortgage Calculator
Mortgage Refinancing Calculator
This calculator can help you understand if it makes sense to refinance your current mortgage. 

As you look at payment savings, keep in mind that you should look at costs vs payment savings.  Typical costs to refinance are in the range of 2% of your loan amount.  Examine how long it takes to recoup those costs - will you be in the home long enough to realize the savings?
  
If you would like to consolidate debt - use this calculator.
  
Note:
The calculator requires a JavaScript-enabled browser.
Change these fields as desired:
  
Current Mortgage
Description
  Monthly P & I Payment: $
  Years left on loan:
  Annual Percentage Rate: %
New Mortgage
Description
  Length of loan:
  Annual Percentage Rate: %
  Extra Principal Paid: $
  
New monthly payment       $
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